Seizure history refers to an applicant's past episodes of seizures, which may stem from epilepsy, head trauma, brain tumors, metabolic disorders, or other neurologic conditions. Underwriters evaluate seizure history by reviewing diagnosis, seizure type and frequency, age of onset, medication control, driving restrictions, and any underlying cause. Well-controlled seizures with long symptom-free periods may carry modest extra risk, while recent, frequent, or unexplained seizures significantly increase concerns about mortality and accident risk. Seizure history is therefore an important factor in life and disability insurance underwriting, influencing both insurability and premium ratings.

In practice, seizure history appears on applications and attending physician statements, prompting underwriters to request neurology records, imaging results, and documentation of treatment response. Advisors help clients describe seizure patterns accurately and disclose current medications and driving status. Carriers may postpone offers until a seizure-free observation period has passed or stabilize coverage at substandard rates when control is good but relapse risk remains. For clients with complex seizure histories, advisers might explore simplified issue, group, or guaranteed issue coverage. Understanding seizure history considerations helps advisors set realistic expectations and guide clients toward the most achievable coverage solutions.